Utah Home Seller's Pre-Listing Checklist

A well-prepared seller is a faster, cleaner transaction. Buyers and their agents will request most of what's on this list during the contract period — having it ready before the listing goes live avoids delays and gives you more control over the timeline.

This checklist covers two phases: what to gather and address before listing, and what the seller is responsible for once an offer is accepted.

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Before you list

Documents to gather

Items are ordered roughly from fastest to obtain to most effort required.

Current property tax bill

Source: County assessor or county treasurer portal — free, public search by address or parcel.

Download or print the current year's tax bill. The title company uses it to calculate the prorated tax amount owed at closing. Confirm there are no delinquent prior years — delinquent property taxes are liens on the property.

Insurance claim history (CLUE report)

Source: LexisNexis consumer disclosure portal at consumer.risk.lexisnexis.com — free once per 12-month period.

The Comprehensive Loss Underwriting Exchange (CLUE) report shows insurance claims filed on the property, typically for the past five to seven years. Buyers' lenders and their agents may pull this independently. Review it before listing so you are not surprised by what it shows during negotiation.

Utility bills — 12 months

Source: Each utility provider's customer account portal — download or screenshot the billing history.

Request or download 12 months of bills for electric, gas, water, sewer, and trash, as applicable. Buyers ask for these during due diligence. Having them ready avoids the request becoming a delay.

Mortgage payoff statement

Source: Your lender — call or submit through your lender's servicing portal to request a payoff statement.

A payoff statement specifies the exact amount required to retire the loan on a specific future date, including interest accrued through that date. This figure differs from your current statement balance. Use it in your net proceeds calculation.

When you request the payoff statement, ask your lender whether your loan carries a prepayment penalty. Some loan types do. Find out now — a prepayment penalty reduces your net proceeds and belongs in your planning before you list, not as a surprise on the closing statement.

HOA documents

Source: Your HOA management company or board — submit a written request.

The REPC requires you to provide the buyer with the association's governing documents within a set number of days after acceptance. Gather them before listing: CC&Rs, bylaws, current operating budget, reserve study if available, meeting minutes from the last 12 months, and a current statement of fees and any pending special assessments. Delays in producing HOA documents can extend the due diligence period.

Permit records for improvements

Source: City or county building department permit portal — search by address.

Pull the permit history for the property and locate copies of permits for any improvements you made during your ownership: additions, conversions, solar installations, roof replacement, HVAC replacement, fence construction, or detached structures. Also check whether any open permits exist on the property from prior owners — buyers and their lenders will find them, and they must be resolved before or at closing.

Survey

Source: Your original closing documents; alternatively, the title company that handled your purchase, or the county recorder's recorded plat maps.

If you have a survey from your purchase, locate it. Buyers and lenders may request it, particularly for properties with boundary questions, shared driveways, or outbuildings near property lines. If you don't have one, the title company can advise on whether a new survey is warranted.

Appliance and system documentation

Source: Your own records — manuals, warranty cards, service receipts.

Gather documentation for major appliances and systems you expect to convey with the property: HVAC, water heater, furnace, and any appliances included in the sale. Note installation dates and the most recent service dates. Buyers' inspectors estimate ages when documentation is absent; your records are more accurate.

Well and/or septic records (if applicable)

Source: County environmental health department for well permits (search by address); septic installer records or county records for system design and pump-out history.

For a property on a private well or septic system, locate the well completion report, the most recent pump-out record, any inspection reports, and the system's design capacity. Buyers on rural properties ask for these; some lenders require a septic inspection or well water test before approving financing.

Water rights documentation (if applicable)

Source: Utah Division of Water Rights at waterrights.utah.gov — parcel-level search, free.

If your property has associated water rights, shares, or a well right, the REPC requires the seller to address whether they convey. Know what water rights are attached to the parcel before listing. Locate the certificates, transfer history, and any water company share documents. For a rural property, these may be among the most consequential documents in the transaction.

Solar lease or loan documents (if applicable)

Source: Your solar provider — request the full agreement and the provider's process for transfer or assumption.

A leased or third-party-financed solar system is a recorded encumbrance on the property. The buyer's lender will ask about it, and the sale cannot close until the solar agreement is either transferred to the buyer (with provider approval) or resolved another way. Obtain the agreement and the provider's transfer timeline before listing so you know what the process entails.

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Records to locate

These are documents from your original purchase or subsequent transactions that you own and may need to provide or reference.

Title insurance policy from your purchase

In your original closing package from when you bought the property. The title company handling the new transaction uses it as a baseline for the title search.

Closing disclosure from your purchase

Also in your original closing package. It records the purchase price, the loan terms, and the encumbrances on record at the time of your purchase.

Home warranty (if in force)

The issuing company, policy number, and expiration date. Verify whether the policy is transferable. A transferable warranty can be listed as an inclusion or offered as a negotiating asset.

Receipts and permits for major improvements

Receipts establish cost basis and support the accuracy of your disclosure form. Permits confirm that work was done legally. Look for: roof replacement, HVAC, windows, additions, conversions, or any substantial work performed by a contractor. If a permit was pulled, the permit number and final inspection record are more useful than the receipt alone.

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Condition items before photos

Complete the Seller's Property Condition Disclosure form before photography

Fill out the disclosure form before the listing is photographed, not during or after. Items you identify during listing preparation that don't appear on the disclosure form create legal exposure. Completing the form first means the property is being photographed in the condition it is being disclosed in.

Confirm no open permits on the parcel

Source: City or county building department permit portal — search by address.

Some sellers inherit open permits from prior owners — permits pulled but never finaled — that appear in the building department's records without the current owner's knowledge. Search before listing. An open permit discovered during a buyer's research can complicate the financing process and must be resolved before closing.

Confirm no delinquent utility balances

Log into each utility provider's account portal and verify all balances are current. A delinquent utility balance can, depending on the utility and jurisdiction, result in a lien on the property. Resolve any open balances before the listing goes live.

Document the age of major systems

Roof, HVAC, water heater, furnace — pull installation dates from your records, permits, or service receipts. Buyers and their inspectors ask about ages during the inspection; your documentation is more accurate than an inspector's estimate. If you don't have records, note that on the disclosure form rather than guessing.

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FIRPTA

If you are a foreign person for U.S. tax purposes, withholding requirements under the Foreign Investment in Real Property Tax Act may apply to your sale. The REPC includes a FIRPTA provision. See IRS.gov for current rules and requirements. Do not attempt to navigate this without a tax professional or real estate attorney.

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During the contract period

After a buyer's offer is accepted, the REPC creates several obligations on the seller's side within defined timeframes.

Respond to inspection repair requests in writing

The buyer may submit a repair or credit request based on the inspection report, within the due diligence window specified in the REPC. Respond in writing through the contract amendment process. Your options: agree to repair, offer a closing credit in lieu of repair, propose a purchase price adjustment, or decline. Keep receipts for any completed repairs — the buyer may ask for documentation at the final walkthrough.

Provide requested records promptly

HOA documents, permit copies, utility records, and any other documentation the buyer's agent requests should be delivered promptly. Delays in producing records can extend the due diligence period or create friction at the financing stage. If you gathered everything before listing, this step is a matter of forwarding files.

Coordinate appraiser access

The buyer's lender orders the appraisal; the appraiser schedules access independently. Make the property available during the timeframe covered by the REPC's financing section. The appraiser is independent — you cannot direct the outcome, but providing documentation of improvements (permits, receipts, before-and-after photos) is appropriate and factual.

Coordinate final walkthrough access

The REPC permits the buyer a final walkthrough no earlier than 7 calendar days before the Settlement deadline. Make the property accessible. The walkthrough confirms that agreed repairs are complete, included items remain, and the property is in the condition the contract specifies. If repairs were agreed and not completed, that is a closing-day problem — address it before then.

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This checklist is for informational purposes only and does not constitute legal, financial, or real estate advice. Requirements and practices vary by transaction and by Utah county. Confirm specifics with your title company and, where needed, a licensed real estate attorney.